For labor platforms & marketplaces

Insure any contractorwith a single API call.

Embed per-assignment workers' comp, general liability, and more into your onboarding flow. A contractor opts in once; coverage binds in their own name in milliseconds, and an audit-ready certificate returns to your stack, so you clear procurement at bigger enterprise accounts and put contractors to work on jobs they couldn't take before.

Read the API docs →Talk to sales

// contractor opts in once

const quote = await ten99policy.quotes.create({

job: "jb_1192Rd",

contractor: "cn_8Fa2Kd9Qa",

coverage_type: ["workers-comp", "general"],

})

// -> binds in their name - COI via webhook

bind - < 500 ms

Certificate of Insurance

WC-TX-77F2 - NAMED INSURED: CONTRACTOR

InsuredIndependent contractor

Workers' compActive

General liabilityActive

Returned via webhook - audit-ready COI stored

The coverage gap

Your marketplace is one requirement away from bigger deals.

Across interviews with logistics, healthcare, creative, and field-service platforms, the same pattern shows up: the contractors are ready, but the insurance gap caps growth.

Stalled deals

Enterprise deals stall on one question: Are your contractors insured?

Large buyers route work only to platforms whose contractors carry their own coverage. Without it, your best contractors never clear procurement, and the deal goes to a competitor who can say yes.

Balance-sheet risk

Uninsured contractors leave your platform holding the bag.

When an indemnification clause meets an uninsured worker's claim, the exposure lands on you. Operators tell us that getting this liability off their balance sheet is exactly why they move to embed coverage directly.

Live coverage check

A coverage check that clears before deployment.

Coverage in the contractor's name is verified right inside onboarding, not chased down after the fact and not left to a certificate that expired last quarter.

Coverage check - cleared 0.2s

Operational drag

Manual COI review is a tax on every booking.

Certificates of insurance are a foreign language to the ops teams reading thousands a year. Auto-verify, auto-store, and get your team out of the insurance-broker business.

webhook: coverage.bound - coi.stored

Unlocked talent

Contractors who were ineligible become placeable.

Enterprise buyers require coverage, so contractors without it cannot be placed on that work. Let them opt into coverage in their own name and your eligible talent pool expands.

A single-day workers' comp policy can bind for about $6, in under 500 milliseconds. No manual process can match that price or speed, which is why coverage belongs inside your platform, binding automatically on every assignment instead of waiting in a paperwork queue.

From 1099Policy partner interviews

Why embedded, API-bound coverage wins

Trigger architecture

Coverage that listens to your assignment lifecycle.

Triggered by assignment state

The system listens for the events you already emit (onboarding, opt-in, assignment created) and binds coverage on the state change, in the contractor's name, with no human in the loop.

✓Binds on opt-in event
✓Contractor is the named insured
✓Evidence returned in milliseconds

Tied to the timesheet window

Coverage windows are scoped to the assignment dates and duration you pass in (per-gig, per-day, or the length of the engagement) and priced to the job type and wage.

✓Windows match assignment dates
✓Priced to job type, wage and duration
✓Per-gig, per-day, or annual

Tracked without intervention

Every bind fires a webhook and writes an audit-ready COI to the archive. Compliance tracking happens automatically, so no one chases certificates over email.

✓Webhook events for every bind
✓Audit-ready COI archive
✓CSV quickstart, full API when ready

What contractors carry

Per-assignment coverage, issued in seconds.

ICPER-ASSIGNMENT CONTRACTOR COVERAGE

ACTIVE

Insured

Independent contractor (named)Not the platform. Not the enterprise client. The contractor.

Coverage footprint

Statutory WC in 46 states + DCExcludes monopolistic state funds: ND, OH, WA, WY.

Pricing

Per assignment, by job type and wageSized to each engagement, with no annual minimums on the contractor.

Also available

Professional liability, media liability, cyberSurface the coverages that fit each engagement type.

Binding speed

Milliseconds after opt-inEvidence of coverage returned to your stack via API + webhook.

Where it runs

Built for every kind of marketplace.

Logistics & delivery

Dispatch, last-mile, and same-day delivery networks keeping drivers and couriers covered per route.

Healthcare & clinical

Per-shift coverage for nurses, clinicians, and allied-health professionals sourced through your platform.

Creative & freelance

Freelance-management and contingent-workforce platforms placing creative, tech, and project talent.

Field services & staffing

Break-fix, installation, and field-tech dispatch where uninsured subs are the biggest audit exposure.

Common questions

What platform teams ask before they embed coverage.

Practical answers on classification, the named insured, coverage footprint, and integration.

1099Policy lets your platform offer per-assignment insurance (workers' compensation, general liability, and more) to independent contractors on your marketplace. Coverage is issued in each contractor's own name and binds through a single API.

Enterprise buyers often require contractors to carry their own coverage. Embedded insurance turns previously ineligible contractors into placeable contractors and removes a common blocker to closing enterprise accounts.

The contractor, always. Their name is on the certificate of insurance and the carrier holds the policy in their name.

Workers' compensation, general liability, professional liability, media liability, and cyber liability, priced per assignment based on job type, wage, and duration.

Milliseconds after a contractor opts in for the first time. Coverage can be effectuated instantly, including single-day episodic policies.

No. You can begin from the 1099Policy dashboard, test the flow, and graduate to the full API and webhook integration when ready.

Full statutory workers' comp is available in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic state-fund jurisdictions.

Call to action section for 1099Policy

Bring a few assignments. We'll bind them live.

Watch coverage bind and certificates issue in real time, using real assignments from your platform.

Try the sandbox Talk to sales

Live demo · 20 min